Every officer who is governed by the scales of pay as in force as on 31.3.1998 shall be fitted in the scale of pay set out as above as on 1.4.1998 on stage to stage basis, i.e. on corresponding stages from first stage onwards in the respective scales and the increments shall fall on the anniversary date as usual except where provided otherwise.

1. The increments specified in the scales of pay set out above shall, subject to the sanction of the Competent Authority, accrue on an annual basis and shall be granted on the first day of the month in which these fall due.
2. Officers in Scale I and Scale II, 1 year after reaching the maximum in their respective scales, shall be granted further increments including stagnation increment(s) in the next higher scale only as specified in (c.) below subject to their crossing the efficiency bar as per guidelines of the Government.
3. Officers including those referred to in (b) above who reach the maximum of the Middle Management Grade Scales II and III shall draw stagnation increment(s) for every three completed years of service after reaching the last stage of the Scale II or Scale III as the case may be subject to a maximum of two such increments of Rs.340/- each for officers in the last stage of Scale II and two such increments of Rs.380/- for officers in the last stage of Scale III.

Grant of such increments in the next higher scale shall not amount to promotion. Officers even after receipt of such increments shall continue to get privileges, perquisites, duties, responsibilities or posts of their substantive Scale I or Scale II as the case may be.

An additional increment each shall be granted in the scale of pay for passing Part I of CAIIB/Junior Associate of Indian Institute of Bankers and Part II/Certified Associate of the Indian Institute of Bankers Examination.

Explanation:

• In the case of an officer who has passed Part I or Part II of Certified Associate of the Indian Institute of Bankers Examination as an officer before the appointed date, the additional increment, or increments as the case may be, shall be given effect to from the appointed date provided that he has not received any increment or received only one increment, for passing both parts of the said Examination.
• On and from 1.11.1987, officers who reach or have reached the maximum in the pay scale and are unable to move further except by way of promotion shall subject to Government guidelines, if any, be granted Professional Qualification Allowance in lieu of additional increments in consideration of passing CAIIB Examination, the quantum of which stands revised as under w.e.f.1.11.99.
    

• Provided that officers who are eligible to draw Fixed Personal allowance shall draw Professional Qualification Allowance one year / two years after receipt of such Fixed Personal Allowance respectively for Part I and II as the case may be.
• The officers who are in Scale I and Scale II and are granted further increments in the next higher scale shall draw Professional Qualification Pay after one/two years, as the case may be, on reaching the maximum in such higher scales."

If an officer who is in receipt of Professional Qualification Pay is promoted to next higher scale, he shall be granted, on fitment in such higher scale, additional increment(s) for passing JAIIB/CAIIB to the extent increments are available in the scale and if no increments are available in the scale, the officer shall be eligible for Professional Qualification Pay in lieu of increment(s).

On and from 1.11.1994 Professional Qualification Allowance or Professional Qualification Pay, as the case may be, shall rank for Dearness Allowance, House Rent Allowance and Superannuation Benefits.
 

Note:

• There shall be no change in the date of annual increment because of advance increment.
• An officer who is at the maximum of the scale or who is in receipt of stagnation increment(s) as on 1st November, 1993, will draw a Fixed Personal Allowance from 1st November, 1993 which shall be equivalent to an amount of last increment drawn plus dearness allowance payable thereon as on 1st November, 1993, plus house rent allowance, at such rates as applicable in terms of Regulation 22. The Fixed Personal Allowance given hereunder together with House Rent Allowance, if any, shall remain frozen for the entire period of service. Fixed Personal Pay payable w.e.f 1.11.99 shall be as under:

1. Fixed Personal Allowance/Fixed Personal Pay as indicated under Column (c) in clause (b) and (c) shall be payable to those officer employees who are provided with bank's accommodation.
2. Fixed Personal Allowance/Fixed Personal Pay for officers eligible for House Rent allowance shall be (A)+(B)+House Rent Allowance drawn by the concerned officer employees when the last increment of the relevant scale of pay is earned.
3. On and from 1st November, 1999 there shall be no change in the schedule of release of Professional Qualification Pay on account of release of Fixed Personal Pay:
    
   Provided that where any instalment of Professional Qualification Pay which on account of the earlier provisions has been shifted by a year and is scheduled for release on or after to 1st November, 1999 it shall be released to the officer on and from this date and second instalment of Professional Qualification Pay, if any, shall be released on 1st November, 2000.
4. The increment component of Fixed Personal Allowance/Fixed Personal Pay shall rank for superannuation benefits.

An officer who has earned the advance increment shall draw the quantum of Fixed Personal Allowance/Fixed Personal Pay as mentioned above, one year after reaching the maximum of the scale.

1. Increment due to an officer cannot be withheld except by way of due process. Every competent authority is required to review the cases of officers under his jurisdiction in the month in which increment falls due and grant the increment during the course of the same month, in such manner that decision is not taken before the relevant month or is postponed to later month.
2. The period spent on loss of pay on or after 1.7.79 shall not be counted for increments. Anniversary date of increment, will therefore, be postponed and notionally determined. The effect of postponement would be given when the notional date of increment shifts to the next calendar month. The increment date in each year will be computed by taking into account the leave on loss of pay during the year. In effect, postponement unless condoned will have cumulative effect throughout the career of the officer, provided in case where sanctioning authority is satisfied that the leave was taken on account of illness or for any other reason beyond the control of the officer, it may direct that the period of extra ordinary leave may count for increment.
3. Such condonement shall be made only by Head Office on the recommendation of Regional Office/Office of GM( Operations) in cases of serious illness, ailments of chronic nature like T.B., Cancer, Major injuries, accidents or operations requiring long period of convalescence etc. and shall be limited to an aggregate of 360 days of extraordinary leave throughout the officer's service.
4. No condonement, however, will be made in cases of Probationary Officers whose probation will normally be extended and the annual increment deferred correspondingly.
5. Officers against whom charge sheet is issued or enquiry is pending will also be eligible for annual increments unless the increments have been stopped as punishment.
6. Officers directly appointed in Bank's Junior Management Scale-I on probation for a period of two years shall also be eligible for increment on annual basis on satisfactory completion of 1st year of probation.
7. The movement of an officer in Scale-I and Scale -II to the higher stages in next scale after reaching maximum in their respective scale shall be subject to their crossing EB which shall apply in following cases:-

1. Where an officer employee is under suspension
2. Where disciplinary action has been initiated against an officer employee
3. Where an officer employee has earned an adverse remarks from the reporting authority in the reporting year preceding the date on which the officer employee is due to cross EB and the same has been conveyed to the officer employee.

1. Where EB operates in terms of (ii) above, the case of concerned officer employee shall be reviewed every year well before the date of crossing EB. The delay in crossing the EB under this provision shall not be more than 3 years, after which if disciplinary proceedings are still not concluded, the movement shall be released with retrospective effect.
2. Where EB has been applied in terms of ( iii) above but rating improves subsequently, the increment shall be released after one year. Average remarks or rating shall not be treated as adverse for this purpose.

1. On and from 1st November, 1999 where an officer is provided with residential accommodation by the Bank, a sum equal to 2.5% of the basic pay in the first stage of the scale of pay in which he is placed or the standard rent for the accommodation, whichever is less, will be recovered from him.
2. Where an officer is not provided any residential accommodation by the Bank he shall be eligible on and from 1.11.1999 for House Rent Allowance at the following rates:-
     

1. 'Pay' for the purpose of House Rent Allowance shall mean basic pay including stagnation increments.
2. Professional Qualification Allowance or Professional Qualification Pay, as the case may be, shall rank for House Rent Allowance with effect from 1.11.1994.

~~~ A ~~~

1. Municipal taxes payable in respect of accommodation;
   and
2. 12% of the capital cost of the accommodation including the cost of the land and if the accommodation is part of a building, the proportionate share of the capital cost of the land attributable to that accommodation, excluding the cost of special fixtures, like air conditioners; or

~~~ B ~~~

1. For the purpose of this Regulation "standard rent" means

1. In the case of any accommodation owned by the Bank, the standard rent calculated in accordance with the procedure for such calculation in vogue in the Government:
2. Where accommodation has been hired by the bank, contractual rent payable by the bank or rent calculated in accordance with the procedure in (A) above, whichever is lower.

1. Where the officer is staying in the house belonging to spouse or kith or kin, he may be reimbursed HRA relying on rent receipt of spouse or kith or kin for the rent actually paid.
2. An officer may be reimbursed HRA at the rate applicable to his place of posting on the basis of rent receipt for the house situated at another place where his family resides.
3. Where both spouses are officers of the same bank and have rented two flats each of them will be eligible for HRA and if a common house rent receipt is issued in the name of both spouses, for a house jointly hired, it will be in order to reimburse HRA..
4. If a portion of a house belonging to officer is partially rented then it should be deducted from rental value for arriving at final rental value.

• On and from 1.11.1999, if an officer is deputed to serve outside the bank, he may opt to receive the emoluments attached to the post to which he is deputed. Alternatively, he may in addition to his pay draw a deputation allowance of 7.75% of pay subject to a maximum Rs.1000/- per month and such other allowances he would have drawn had he been posted in the bank's service at that place.
  
  Provided that where he is deputed to an organization which is located at the same place where he was posted immediately prior to his deputation, he shall receive a deputation allowance equal to 4% of his pay subject to a maximum Rs.500/- per month.
  
  Provided further that an officer on deputation to the Training Establishment of the bank as a faculty member shall be eligible for deputation allowance at 4% of his pay subject to a maximum Rs.500/- per month.
   
• On and from 1.11.1999 if he is required to officiate in a post in a higher scale for a continuous period of not less than 7 days at a time or an aggregate of 7 days during a calendar month, he shall receive an officiating allowance equal to 6% of his pay, pro-rata for the period for which he officiates. Officiating allowance will rank as pay for the purpose of Provident Fund/Pension and not for other purposes.
  
  Provided that where an officer comes to officiate in a higher scale, as a consequence solely of the review of the categorization of posts under Regulation 6, he shall not be eligible for the officiating allowance for a period of one year from the date on which the review of the categorization takes effect.

1. Working in a post on higher scale is officiating whereas in a post in the same scale is acting.
2. The officer shall not be eligible for officiating /acting allowance for the period he remains absent/ on leave during the period of he is required to officiate/ act, because two officers shall not be paid officiating /acting allowance under any circumstances for the same post concurrently.
3. Officiating arrangement in chain is not allowed.
4. Senior most officer shall officiate/ act but if he is not available on the date of requirement of officiating/ acting arrangement, the next senior most officer will be given the choice,. At no point of time, senior will be made to work under junior.
5. An officer is not allowed to officiate/ act in the following circumstances:
    

1. Censure: Six months from the date of censure
2. Withholding of increments: From the date of commencement of order to the last of incremental year for which increments have been withheld.
3. Reduction to a lower stage in time scale or a lower scale/ grade: For one year from the date of communication of order of such penalty
4. Where he has not been allowed to cross EB: During the year for which he has not been allowed to cross the EB
5. Where Bank intends disciplinary proceedings as a result of investigation by the bank or outside agency or such proceedings are pending.
6. Where he is under trial for any criminal offence or under investigation
7. Where he does not have sufficient knowledge of the work required
8. Where he is not confirmed in Bank's service.

6. During officiating, officer shall be allowed Entertainment/Conveyance allowance on pro-rata basis and if he himself is getting the same, he will be eligible for the higher amount, if any.
7. Where the Bank's car is attached to the post, permanent incumbent has the option to retain or surrender the car. Bank may require the incumbent to surrender the car, if leave exceeds one month or he goes out of station with family. If the car is surrendered, officiating/ acting officer has the option either to use the car or claim conveyance expenses.

• On and from 1.11.1999, if the officer is serving in a place mentioned in column 1 of the table below, he shall receive a hill and fuel allowance at the rate mentioned in column 2 thereof against that place shall be payable:-
   

1. Officers posted at places with an altitude of not less than 750 metres and which are surrounded by hills with higher altitude which cannot be reached without crossing an altitude of 1000 metres or more, will be paid hill and fuel allowance at the same rate as is payable at centers with an altitude of 1000 metres and above.
2. Hill and Fuel Allowance presently paid at any centre not covered by the above classification shall stand withdrawn.
3. Provided that in respect of an officer who was posted in such a centre prior to 1st May, 1989 and remains posted at that centre even after that date, the quantum of allowance which he was drawing as at 30th April, 1989 shall be protected and paid to him every month till the time he remains posted at that centre in the same scale of pay.

• On and from 1.1.2002 adhoc and temporary incentive @ 12.5% of basic pay subject to maximum of Rs.1500/- per month shall be payable to officers transferred from other parts of the country to Andaman & Nicober Island and Lakshadweep Island . This is in addition to Special Area Allowance applicable to these islands.
• On and from 1.1.2002 adhoc and temporary incentive @ 12.5% of basic pay subject to maximum of Rs.1500/- per month shall be payable to officers transferred from other parts of the country to North Eastern Region. They will not be entitiled to Special Area Allowance otherwise applicable to this region.

• An officer transferred from one place to another in the midst of academic year and if he has one or more children studying in school or college in the former place shall be entitled to Mid Academic Transfer Allowance of Rs.150/- per month from the date of his reporting at the new place of posting upto the end of academic year of all children.
• The allowance shall cease to be payable if all children cease studying at the former place.
• The allowance may be paid maximum for a period of 12 months.
• In case the officer commutes to his old place of posting and is not maintaining two establishments, the allowance shall not be payable.
• If the officer is transferred to more than one place during a particular academic year and his children are studying at any of the places he has been transferred from, he shall be eligible for the allowance.

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